The Hartford Insurance Group (HIG) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

For the quarter ended September 2026, The Hartford Insurance Group (HIG) reported revenue of $5.39 billion, up 5.3% over the same period last year. EPS came in at $3.50, compared to $3.78 in the year-ago quarter.

The reported revenue represents a surprise of +1.97% over the Zacks Consensus Estimate of $5.28 billion. With the consensus EPS estimate being $3.15, the EPS surprise was +11.11%.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how The Hartford Insurance Group performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Business Insurance - Underlying combined ratio: 90.1% versus the six-analyst average estimate of 89.5%.

• Personal Insurance - Loss and loss adjustment expense ratio: 67.2% compared to the 69.7% average estimate based on six analysts.

• Personal Insurance - Underlying combined ratio: 87.1% versus the six-analyst average estimate of 87.9%.

• Personal Insurance - Combined ratio: 93.2% compared to the 95.8% average estimate based on six analysts.

• Revenue- Personal Insurance- Earned premiums: $914 million versus the six-analyst average estimate of $897.7 million. The reported number represents a year-over-year change of -3.8%.

• Revenue- Property & Casualty- Net investment income: $678 million versus the six-analyst average estimate of $633.92 million. The reported number represents a year-over-year change of +12.1%.

• Revenue- Employee Benefits- Total revenues: $1.89 billion compared to the $1.85 billion average estimate based on six analysts. The reported number represents a change of +5.7% year over year.

• Revenue- Employee Benefits- Net investment income: $154 million compared to the $141.63 million average estimate based on six analysts. The reported number represents a change of +13.2% year over year.

• Revenue- Employee Benefits- Premiums and other considerations (Earned premiums and Fee income): $1.72 billion versus the six-analyst average estimate of $1.7 billion. The reported number represents a year-over-year change of +3.7%.

• Revenue- Business Insurance- Fee income: $12 million versus $11.63 million estimated by six analysts on average. Compared to the year-ago quarter, this number represents a +9.1% change.

• Revenue- Business Insurance- Earned premiums: $3.78 billion versus $3.74 billion estimated by six analysts on average. Compared to the year-ago quarter, this number represents a +6.6% change.

• Revenue- Personal Insurance- Fee income: $7 million versus the six-analyst average estimate of $8.13 million. The reported number represents a year-over-year change of -12.5%.